Subject: File Number SR-FINRA -2009-008

I am writing to express my concern with the proposals made by FINRA to the
U4 and U5 forms.

I have been an insurance agent for many years, and have been a registered
representative for almost 10 years. Having the opportunity to provide
financial services to my clients expands the ways in which we provide
support to members of the community that are not ordinarily served in this
way.

What concerns me about the FINRA proposals is the requirment of reporting
of allegations of sales practice violations made against a registered
person that are contained in the body of an arbitration claim or lawsuit
in which that person is not named as a party. In other words, a person
would have to report allegations of sales practice complaints made against
that person as long as the person was either named in or could be
identified from the body of the claim, even if the person is not a party
to the lawsuit or arbitration proceeding.

I believe that the typical agent's reputation may be seriously damaged by
claims that are made - however erroneous, in a proceeding in which they
have not been named as a defendant or respondent. While I strongly believe
that people who engage in unscrupulous or misleading sales practices
should be aggressively prosecuted and subject to appropriate and
meaningful sanctions, the SEC should not allow someone's reputation to be
irreparably damaged by unproven claims or allegations made in a lawsuit or
arbitration proceeding in which the individual has not been named as a
party. Furthermore, a named party to a lawsuit or arbitration has an
opportunity to refute the allegations against him and "clear his name."
Someone who has not been named as a party in a lawsuit or arbitration does
not have this same opportunity or ability, and any allegations made
against him will likely go unanswered and unchallenged.

I therefore request that you not approve that part of FINRA's proposal
that would require the reporting of allegations of sales practice
violations made against a registered person that are contained in the body
of an arbitration claim or lawsuit in which that person is not named as a
party. Thank you for considering my comments.